Subaru changes the rates they offer from month to month. This month Subaru is not offering 0.9% on 2013 models. The good news is that when your special order comes in we will be in a new month. Right now, Subaru is offering 2.9% up to 63 months. Next month or the month after it may be lower. Luckily Subaru usually clumps tier one and two together and offeres the same top tier rate for both, so being over a 700-720 usually gets you the best rate. Please let me know if you have any other questions.